This section of the FEDERAL REGISTER

contains documents other than rules or

proposed rules that are applicable to the

public. Notices of hearings and investigations,

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rulings, delegations of authority, filing of

petitions and applications and agency

statements of organization and functions are

examples of documents appearing in this

section.

Notices Federal Register

77766 

Vol. 76, No. 240 

Wednesday, December 14, 2011 

BUREAU OF CONSUMER FINANCIAL 

PROTECTION 

[Docket No. CFPB–2011–0043] 

Submission for OMB Review; 

Comment Request 

AGENCY: Bureau of Consumer Financial 

Protection. 

ACTION: Notice and request for public 

comment. 

SUMMARY: The Bureau of Consumer 

Financial Protection (CFPB), as part of 

its continuing effort to reduce 

paperwork and respondent burden, 

invites the general public and other 

Federal agencies to take this 

opportunity to comment on a proposed 

information collection, as required by 

the Paperwork Reduction Act of 1995, 

Public Law 104–13. The CFPB is 

soliciting comments on an information 

collection request that will be submitted 

to the Office of Management and Budget 

(OMB) for review and clearance on or 

after the date of publication of this 

notice. A copy of the submission may be 

obtained by contacting the agency 

contacts listed below. 

DATES: Written comments are 

encouraged and must be received on or 

before January 13, 2012 to be assured of 

consideration. 

COMMENTS: You may submit comments, 

identified by Docket No. CFPB–2011– 

0043, by any of the following methods: 

• Electronic: http:// 

www.regulations.gov. Follow the 

instructions for submitting comments. 

• Mail: Mitchell E. Hochberg or Jane 

Gao, Office of Regulations, Consumer 

Financial Protection Bureau, 1500 

Pennsylvania Avenue NW., (Attn: 1801 

L Street), Washington, DC 20220, with 

a copy to Shagufta Ahmed, Office of 

Management and Budget, New 

Executive Office Building, Room 10235, 

Washington, DC 20503. 

• Hand Delivery/Courier: Mitchell E. 

Hochberg or Jane Gao, Office of 

Regulations, Consumer Financial 

Protection Bureau, 1700 G Street NW., 

Washington, DC 20006, with a copy to 

Shagufta Ahmed, Office of Management 

and Budget, New Executive Office 

Building, Room 10235, Washington, DC 

20503. 

FOR FURTHER INFORMATION CONTACT: 

Requests for additional information 

should be directed to the agency 

contacts listed below. 

SUPPLEMENTARY INFORMATION: OMB 

Number: 3170–XXXX. 

Type of Review: Emergency Clearance 

Request. 

Title: Qualitative Testing of Mortgage 

Servicing Related Model Forms and 

Disclosures. 

Description: The Dodd-Frank Wall 

Street Reform and Consumer Protection 

Act, Public Law No. 111–203, Title XIV 

(the ‘‘Dodd-Frank Act’’), requires CFPB 

to publish, in final form, certain 

mortgage servicing rules by January 21, 

2013. These rules implement Sections 

1418 (Reset of Hybrid Adjustable Rate 

Mortgages), 1420 (Periodic Mortgage 

Loan Statements) and 1463 (ForcePlaced Insurance Disclosures) of the 

Dodd-Frank Act. The CFPB has 

determined that model forms and 

disclosures are required for these rules. 

The CFPB will collect data, including 

through one-on-one cognitive thinkaloud interviews, to inform its design, 

development and implementation of the 

required forms. The CFPB will use an 

iterative process to improve any drafts 

to make it easier for a consumer to use 

the documents and understand the 

information presented in the documents 

with respect the consumer’s mortgage 

loan. 

The data collection will include: 

• Consent forms that will be used to 

obtain the consent of participants for the 

cognitive interview process; 

• Participant questionnaires to obtain 

demographic information about the 

participants; and 

• Interview protocols for conducting 

the interviews. 

The core objective of the data 

collection is to help refine specific 

features of the content and design of the 

forms to maximize communication 

effectiveness while minimizing 

compliance burden. The CFPB will 

evaluate one or more draft forms 

through iterative qualitative testing with 

consumers, including observation of 

consumers’ usage of the disclosures, 

their understanding of the contents, and 

the choices they make. 

The qualitative testing is focused on 

the purposes of the disclosures. These 

purposes include, among other things: 

• With respect to mortgage loan 

periodic statements, improving 

consumer understanding by better 

disclosing information regarding the 

consumer’s mortgage loan; 

• With respect to disclosures 

concerning interest rate adjustments for 

hybrid adjustable rate mortgages, 

informing consumers of pending 

interest rate adjustments, enabling a 

consumer to consider alternative 

options with respect to the consumer’s 

mortgage loan, and providing 

information to a consumer to facilitate 

pursuing such alternative options; and 

• With respect to force-placed 

insurance disclosures, reminding a 

consumer of the obligation to maintain 

hazard insurance on the property 

securing a mortgage; informing the 

consumer that the servicer does not 

have evidence of hazard insurance 

coverage, informing the consumer of the 

manner in which the consumer may 

demonstrate to a mortgage servicer that 

the consumer has obtained hazard 

insurance coverage, and informing the 

consumer that if the consumer fails to 

obtain hazard insurance coverage, the 

lender may obtain such coverage at the 

consumer’s expense. 

The CFPB plans to test at three sites 

in three rounds to allow for 

improvement to the forms between 

rounds. Below is an estimate of the 

aggregate burden hours for the three 

rounds of testing. 

Process Number of 

respondents 

Average 

burden per 

response 

(in minutes) 

Total burden 

hours 

Cognitive Think-Aloud Interviews ................................................................................................ 36 60 36 

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Federal Register / Vol. 76, No. 240 / Wednesday, December 14, 2011 / Notices 77767 

Process Number of 

respondents 

Average 

burden per 

response 

(in minutes) 

Total burden 

hours 

Screening ..................................................................................................................................... 360 6 36 

Travel time to sites ...................................................................................................................... 36 60 36 

Total ...................................................................................................................................... ........................ ........................ 108 

Request for Comments: Comments are 

invited on: (a) Whether the collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information will have practical utility; 

(b) the accuracy of the agency’s estimate 

of the burden of the proposed collection 

of information, including the validity of 

the methodology and assumptions used; 

(c) ways to enhance the quality, utility, 

and clarity of the information to be 

collected; and (d) ways to minimize the 

burden of the collection of information 

on respondents, including through the 

use of automated, electronic, 

mechanical, or other technological 

collection techniques or other forms of 

information technology. All comments 

will become a matter of public record. 

Agency Contact: Mitchell E. Hochberg 

or Jane Gao, Office of Regulations, 

Bureau of Consumer Financial 

Protection, 1700 G Street NW., 

Washington, DC 20006; (202) 435–7700. 

OMB Reviewer: Shagufta Ahmed, 

Office of Management and Budget, New 

Executive Office Building, Room 10235, 

Washington, DC 20503; (202) 395–7873. 

Dated: December 9, 2011. 

Robert Dahl, 

PRA Clearance Officer, Department of the 

Treasury. 

[FR Doc. 2011–32080 Filed 12–13–11; 8:45 am] 

BILLING CODE 4810–AM–P 

DEPARTMENT OF AGRICULTURE 

Submission for OMB Review; 

Comment Request 

December 8, 2011. 

The Department of Agriculture has 

submitted the following information 

collection requirement(s) to OMB for 

review and clearance under the 

Paperwork Reduction Act of 1995, 

Public Law 104–13. Comments 

regarding (a) whether the collection of 

information is necessary for the proper 

performance of the functions of the 

agency, including whether the 

information will have practical utility; 

(b) the accuracy of the agency’s estimate 

of burden including the validity of the 

methodology and assumptions used; (c) 

ways to enhance the quality, utility and 

clarity of the information to be 

collected; (d) ways to minimize the 

burden of the collection of information 

on those who are to respond, including 

through the use of appropriate 

automated, electronic, mechanical, or 

other technological collection 

techniques or other forms of information 

technology should be addressed to: Desk 

Officer for Agriculture, Office of 

Information and Regulatory Affairs, 

Office of Management and Budget 

(OMB), 

OIRA_Submission@OMB.EOP.GOV or 

fax (202) 395–5806 and to Departmental 

Clearance Office, USDA, OCIO, Mail 

Stop 7602, Washington, DC 20250– 

7602. Comments regarding these 

information collections are best assured 

of having their full effect if received 

within 30 days of this notification. 

Copies of the submission(s) may be 

obtained by calling (202) 720–8958. 

An agency may not conduct or 

sponsor a collection of information 

unless the collection of information 

displays a currently valid OMB control 

number and the agency informs 

potential persons who are to respond to 

the collection of information that such 

persons are not required to respond to 

the collection of information unless it 

displays a currently valid OMB control 

number. 

Animal Plant and Health Inspection 

Service 

Title: Virus-Serum-Toxin Act and 

Regulations in 9 CFR, Subchapter E, 

Parts 101–124. 

OMB Control Number: 0579–0013. 

Summary of Collection: The VirusSerum-Toxin Act (37 Stat. 832–833, 21 

U.S.C. 151–159) gives the United States 

Department of Agriculture, the Animal 

and Plant Health Inspection Service 

(APHIS) the authority to promulgate 

regulations designed to prevent the 

importation, preparation, sale, or 

shipment of harmful veterinary 

biological products. A veterinary 

biological product is defined as all 

viruses, serums, toxins, and analogous 

products of natural or synthetic origin. 

In order to effectively implement the 

licensing, production, labeling, 

importation, and other requirements, 

APHIS employs a number of 

information gathering tools such as 

establishment license applications, 

product license applications, product 

permit applications, product and test 

report forms and field study summaries. 

Need and Use of the Information: 

APHIS uses the information collected as 

a primary basis for the approval or 

acceptance of issuing licenses or 

permits to ensure veterinary biological 

products that are used in the United 

States are pure, safe, potent, and 

effective. Also, APHIS uses the 

information to monitor the serials for 

purity, safety, potency and efficacy that 

are produced by licensed manufacturers 

prior to their release for marketing. 

Failing to collect this information would 

severely cripple APHIS’ ability to 

prevent harmful veterinary biologics 

from being distributed in the United 

States. 

Description of Respondents: Business 

or other for profit; State, Local or Tribal 

Government. 

Number of Respondents: 202. 

Frequency of Responses: 

Recordkeeping; Reporting: On occasion. 

Total Burden Hours: 74,386. 

Animal and Plant Health Inspection 

Service 

Title: Scrapie in Sheep and Goats; 

Interstate Movement Restrictions and 

Indemnity Program. 

OMB Control Number: 0579–0101. 

Summary of Collection: Under the 

Farm Security and Rural Investment Act 

of 2002, Public Law 107–71, subtitle E, 

Animal Health Protection, Section 

10401–10418, the Secretary of 

Agriculture, in order to protect the 

agriculture, environment, economy, and 

health and welfare of the people of the 

United States by preventing, detecting, 

controlling, and eradicating diseases 

and pests of animal, is authorized to 

cooperate with foreign countries, States, 

and other jurisdictions, or other person, 

to prevent and eliminate burdens on 

interstate commerce and foreign 

commerce, and to regulate effectively 

interstate commerce and foreign 

commerce. Scrapie is a progressive, 

degenerative and eventually fatal 

disease affecting the central nervous 

system of sheep and goats. Its control is 

complicated because the disease has an 

extremely long incubation period 

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